Standard Chartered Bank - Senior Credit Manager - Agriculture Loans

The role requires the employee to display par excellence expertise in risk assessment & management, underwriting, operational risk management, developing structured financial solution, training, people development & team management to deliver the following organisational goals:

Delivering Superior Business performance:

- Ensuring that customer applications are decisioned within agreed timelines with adherence to credit policy requirements thereby minimizing credit losses.

- Enable create synergy between various functions for optimal business performance and growth through effective monitoring and control of secured and unsecured portfolio.

- Ensuring and improving the productivity metrics of Credit Initiation and deliver improved performance.

- Drive cross functional interaction in respective locations to share business knowledge, strategies and risk items.

- Ensure effective monitoring systems are in place to identify exceptions and breaches. Any such occurrence should be promptly highlighted to line manager.

- Ensure various CI expenses are monitored and controlled in line with the cost control strategy.

Industry Specialisation:

- Expert Knowledge of agri markets including various players involved in the agri value chain

- Expert knowledge of agro and food processing industry especially in the immediate geographical location

- Assessment of financial requirements of agro and food processing enterprises

- Detailed understanding of agri commodities including their production, seasonality, storage, processing and consumption

Continuously improve the way we work:

- Support in implementation of all strategic initiatives in the area of operational excellence by credit initiation as per plan and timelines.

- Maintain portfolio quality by ensuring underwriting standards related to credit initiation process, policy compliance and CDD/AML compliance are met. Any instances of suspicious transaction must promptly be reported to line manager / supervising authority.

- Monitor, follow up and control the deferral documents inventory within targeted benchmarks.

- Adhere to all the Vendor Management practices for each of the locations handled.

- Ensure compliance with the group code of conduct during all customer interaction.

Massively multiplying our leadership capability

- Ask for regular reviews, feedbacks to identify areas of improvement and necessary training, take part / nominate self for training with the help of line manager and display willingness to learn.

- Conduct regular training to enhance the process, policy and product knowledge of team.

- Display good leadership and people management qualities for the credit initiation team.

- Ensure measures to improve the work life balance and working environment for credit initiation team.

- Ensure good Q12 score and work on impact plans and implement the same.

Strengthen relationship with regulators and communities

- Embedding principles of the Operational Risk Management and Assurance frame work to raise the bar on control & compliance.

- To ensure that OR toolkits like KCSAs, KRIs etc are updated regularly and submission timelines are met.

- To ensure adherence to BSCBI code, as laid out by the bank.

- Green / Green clearance with good audit ratings in all internal/external audits, Group Audits, BRR, CORAM, PPI review, market audit, peer review, concurrent audit and other audits.

- Drive and participate in Risk sponsored community participation and volunteer programs

Reinforce the brand

- Embed the brand promise and values more deeply within the bank and enhance external awareness of the brand

- Provide support to the service team in handling customer queries/complaints.

- To give continuous documented feedback to the Head CI on market conditions, prevalent practises to policy, products and collections, competition feedback in terms of business, products and process.